Instant Credit Report

To get your instant credit report, it can become a taxing task when you are trying to select the best website though there is no shortage of sites that can offer you your credit report.

Patience is a virtue which has long been buried. When people want something nowadays, they want it now; this very instant. This is one of the main reasons why internet is such a big success and why people make thousands of dollars by offering the information online that can be downloaded instantly.


It is very crucial for you to inspect your instant credit report to check if there is any inquiry or an unauthorized entry by someone to snatch your credit. It is a great facility nowadays to review your report instantly rather than waiting for weeks just to receive it in the mail. The big advantage is that you can find out in just a few minutes if you have become a victim of identity theft. This will give you the option of stopping such unwarranted invasion of privacy and confidential information before it gets out of hand, destroying your credit. You have to remember that it is easier for your credit rating to go down than it is to come up.


It will take a little time to access your instant credit report. You will be asked to feed in your personal information such as your name, address and your date of birth. Then, you will be asked a series of security questions to make sure that the credit bureau can be satisfied about your identity being properly verified. It is only after this process that you will be cleared to receive your instant credit report.

When you get your instant credit report, you must check it thoroughly right down from your personal information to your payment history. If there is any negative information on your instant credit report, it will keep reflecting there for a period of seven years’ minimum time. If there is any bankruptcy information, it will be reflecting there for a minimum period of a decade.


If you want an instant credit report, you will have to normally buy it for a fee close to fifteen dollars per month. Few people look at it as an unnecessary expense. There are ways that you can manage to get an instant credit report without the need to pay anything at all. There are two ways to get it for free.

o You can get your free report from the government mandated service that is operated by credit bureaus. The Fair Credit Reporting Act requires any of the three major credit bureaus to issue a free credit report to you within the period of a year. These three bureaus are TransUnion, Experian and Equifax. With this method, though it is not served to you in a flash, you can still get your instant credit report by mail or through the website. The Fair Credit Reporting Act also allows you to dispute or challenge any errors or outdated items for free.

o There is another way of getting your instant credit report. You can sign up for third party services that offer free credit reports but you will have to be careful here. Along with something like a monthly monitoring service, you will get your report. You have to remember that your instant credit report will not cost you anything only if you remember to cancel your subscription before the month is out.